American Trust and Savings Bank is a state-chartered bank headquartered in Lowden, Iowa, in business for about 113 years. At the end of Q2 2026 it reported $27.8M in total assets and $23.2M in deposits, with 1 office.
Based on its Q2 2026 filing, American Trust and Savings Bank scores 46/100, which we describe as below average. That is higher than only 7% of 546 banks with under $100 million in assets. Among 226 banks headquartered in Iowa, it ranks 217th. Its strongest component is capital cushion (100/100; 15.65%), and its lowest is earnings (0/100; -1.02%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 4 points (50 → 46), mostly because the problem-loan coverage component weakened by 52 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 50 |
| Q3 2024 | 51 |
| Q4 2024 | 46 |
| Q1 2025 | 52 |
| Q2 2025 | 50 |
| Q3 2025 | 55 |
| Q4 2025 | 51 |
| Q1 2026 | 46 |
| Q2 2026 | 46 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 15.34% |
| Q3 2024 | 15.45% |
| Q4 2024 | 14.50% |
| Q1 2025 | 14.34% |
| Q2 2025 | 14.23% |
| Q3 2025 | 15.49% |
| Q4 2025 | 15.20% |
| Q1 2026 | 15.23% |
| Q2 2026 | 15.65% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 10.32% |
| Q3 2024 | 10.37% |
| Q4 2024 | 10.60% |
| Q1 2025 | 9.51% |
| Q2 2025 | 9.49% |
| Q3 2025 | 9.82% |
| Q4 2025 | 9.15% |
| Q1 2026 | 29.90% |
| Q2 2026 | 30.07% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.37% |
| Q3 2024 | -0.38% |
| Q4 2024 | -0.88% |
| Q1 2025 | 0.07% |
| Q2 2025 | -0.16% |
| Q3 2025 | 0.05% |
| Q4 2025 | -0.60% |
| Q1 2026 | -0.90% |
| Q2 2026 | -1.02% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 46 | $27.8M | 15.65% | 30.07% | -1.02% | 22.7% |
| Q1 2026 | 46 | $28.7M | 15.23% | 29.90% | -0.90% | 21.7% |
| Q4 2025 | 51 | $30.9M | 15.20% | 9.15% | -0.60% | 22.5% |
| Q3 2025 | 55 | $30.4M | 15.49% | 9.82% | 0.05% | 20.6% |
| Q2 2025 | 50 | $33.2M | 14.23% | 9.49% | -0.16% | 19.6% |
| Q1 2025 | 52 | $33.6M | 14.34% | 9.51% | 0.07% | 19.3% |
| Q4 2024 | 46 | $33.4M | 14.50% | 10.60% | -0.88% | 18.7% |
| Q3 2024 | 51 | $32.2M | 15.45% | 10.37% | -0.38% | 20.3% |
| Q2 2024 | 50 | $31.1M | 15.34% | 10.32% | -0.37% | 22.1% |
546 peers · Under $100 million in assets
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Iowa
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Maxwell State BankBank Maxwell, IA | 69 out of 100, Moderate | $31.7M | 15.4% | 1.03% | vs |
| The First National Bank of PrimgharBank Primghar, IA | 84 out of 100, Strong | $36.3M | 14.3% | 0.00% | vs |
| Farmers State BankBank Lake View, IA | 87 out of 100, Very strong | $36.7M | 13.1% | 0.00% | vs |
| Dysart State BankBank Dysart, IA | 69 out of 100, Moderate | $16.5M | 11.4% | 1.68% | vs |
| State Bank of SchallerBank Schaller, IA | 59 out of 100, Moderate | $40.6M | 13.3% | 3.69% | vs |
| Community State BankBank Paton, IA | 89 out of 100, Very strong | $41.4M | 20.2% | 0.00% | vs |
Deposit insurance
Is my money safe at American Trust and Savings Bank?
Yes. American Trust and Savings Bank is an FDIC-insured institution (FDIC certificate #10120). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 17.6% of deposits ($4.1M) are above the $250,000 FDIC insurance limit, close to the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 15.65%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 41.23% (benchmark: 10%).
1 location
Branches
American Trust and Savings Bank lists 1 office in 1 city. Most locations:
- Lowden, IA (1)
Identity & history
Profile
- Legal name
- American Trust and Savings Bank
- Type
- State-chartered bank
- FDIC certificate #
- 10120
- RSSD ID
- 675341
- Primary regulator
- FDIC
- Holding company
- Lowden Bancshares Inc
- Established
- October 1, 1913
- Headquarters
- 309 Mckinley Ave, Lowden, IA 52255
- Website
- www.atsb-lowden.com
- Employees
- 4
Quick answers
American Trust and Savings Bank: common questions
Is American Trust and Savings Bank FDIC insured?
Yes. American Trust and Savings Bank is an FDIC-insured institution (FDIC certificate #10120). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is American Trust and Savings Bank's TellerScore?
46 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has American Trust and Savings Bank ever failed?
There is no failure record for FDIC certificate #10120 in the FDIC failed bank list.
How many branches does American Trust and Savings Bank have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Lowden
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Citizens State BankBank Wyoming, IA | 91 out of 100, Very strong | $137.7M | 17.9% | 0.25% | vs |
| Liberty Trust & Savings BankBank Durant, IA | 86 out of 100, Very strong | $186.2M | 20.7% | 0.86% | vs |
| Maquoketa State BankBank Maquoketa, IA | 86 out of 100, Very strong | $429.0M | 16.4% | 0.52% | vs |
| First Central State BankBank Dewitt, IA | 83 out of 100, Strong | $772.4M | 13.4% | 0.21% | vs |
| South Ottumwa Savings BankBank Ottumwa, IA | 77 out of 100, Strong | $565.4M | 13.0% | 0.83% | vs |
| Blackhawk Bank & TrustBank Milan, IL | 76 out of 100, Strong | $2.0B | 10.5% | 0.09% | vs |